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  Mattress Firm Credit Card

Mattress Firm Credit Card

in Personal Credit Cards from Synchrony Bank

Claimed

Mattress Firm Credit Card

Claimed

in Personal Credit Cards from Synchrony Bank

SuperMoney Net Recommendation Score +80

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +80, equating to 4.6 on a 5 point rating scale.

+80

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly recommended

4 users recommend
1 user is unsure
0 users don't recommend
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Highlights
Community Rating Strongly recommended
Purchase APR  (Variable APR) 29.99%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 400 - 850
Annual Fee $0
Number of Reviews 5

Mattress Firm Credit Card Review

This is a store credit card issued by Synchrony Bank. If you're wondering whether Mattress Firm credit card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 60 months, which is longer than the average 0% APR period of 12 months.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 60 months.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 29.99%
  • No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have good approval odds.
Pros & Cons of Mattress Firm credit card
The Good The Bad
  • 0% APR: 5 years with a minimum purchase of $2799, 4 years with a minimum purchase of $1999, 3 years with a minimum purchase of $1299, 2 years with a minimum purchase of $999 on your Mattress Firm credit card. 60, 48, 36 or 24 equal monthly payments required.
  • 0% APR balance transfer intro rate on balance transfers for up to 60 months.
  • No balance transfer fee.
  • 0% APR on new purchases during the first 60 months.
  • No annual fee.
  • Considers applicants with fair or poor credit.
  • Mattress Firm Credit Card reports to multiple credit bureaus.
  • If cardholders do not pay their balance off in full within the promo period, interest will be charged on the promo purchase from the purchase date.
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Does not include many credit card benefits.
Mattress Firm credit card FAQ

Does Mattress Firm credit card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the relevant APRs for Mattress Firm credit card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has higher than average regular APRs.

It has a variable purchase APR of 29.99%.

Does Mattress Firm credit card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 60 months.

Mattress Firm Credit Card Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 60 months

Does Mattress Firm credit card have an intro APR offer on new purchases?

Mattress Firm Credit Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 60 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 60 months.

What are the fees for Mattress Firm credit card?

The following fees apply:

Mattress Firm credit card Fees
Fees Amount
Annual Fee $0
Late Payment Fee $38

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

What is the customer service phone number for Mattress Firm credit card?

The Mattress Firm credit card customer service number is (866) 226-5638.

What is the support contact email for Mattress Firm credit card?

The support contact email for Mattress Firm credit card is customer.service@mail.synchronybank.com.

How do people rate the customer service and user experience of Mattress Firm credit card?

Overall, Mattress Firm credit card is strongly recommended based on community reviews that rate customer service and user experience.

Does Mattress Firm Credit Card report your account activity to credit bureaus?

Yes, Mattress Firm Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Mattress Firm credit card

  • Visit the Mattress Firm credit card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Synchrony Bank

At Synchrony, we work with thousands of businesses large and small, helping national chains and local merchants offer credit cards with the budget-friendly financing you need.Synchrony aims to make your credit card application fast and hassle-free.

No matter how much you plan to spend, these financing offers will always be available. Take advantage of financing and low monthly payments anytime. And there's no interest if paid in full within 6 or 12 months‡. But remember, on purchases with your Mattress Firm credit card, interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 or 12 months. Minimum monthly payments required.

Contact

Hours of Operation

  • Sunday 8:00am - 12:00am
  • Monday 8:00am - 12:00am
  • Tuesday 8:00am - 12:00am
  • Wednesday 8:00am - 12:00am
  • Thursday 8:00am - 12:00am
  • Friday 8:00am - 12:00am
  • Saturday 8:00am - 12:00am

Other Services by Synchrony Bank

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Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 60 months
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 23 days
Minimum Interest Charge $2
Late Fee Amount $38
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 400 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Balance Computation Daily Balance
Purchase APR (Variable APR) 29.99%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 60 months
Card Type
  • Store Card
Card Network Other

Mattress Firm Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +80, equating to 4.6 on a 5 point rating scale.

+80

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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